{"id":19995,"date":"2025-10-09T08:55:46","date_gmt":"2025-10-09T06:55:46","guid":{"rendered":"https:\/\/assoprovider.it\/?page_id=19995"},"modified":"2025-10-09T09:47:41","modified_gmt":"2025-10-09T07:47:41","slug":"polizze-catastrofali","status":"publish","type":"page","link":"https:\/\/assoprovider.it\/en\/polizze-catastrofali\/","title":{"rendered":"Catastrophic Policies"},"content":{"rendered":"
\n\t\t\t\t
\n\t\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t\r\n\r\n\r\n \r\n \r\n Polizze Catastrofali - Guida Completa<\/title>\r\n <style>\r\n * {\r\n margin: 0;\r\n padding: 0;\r\n box-sizing: border-box;\r\n }\r\n\r\n body {\r\n font-family: 'Segoe UI', Tahoma, Geneva, Verdana, sans-serif;\r\n line-height: 1.6;\r\n color: #333;\r\n padding: 0;\r\n }\r\n\r\n .nav-menu {\r\n position: sticky;\r\n top: 0;\r\n background: rgba(255, 255, 255, 0.95);\r\n backdrop-filter: blur(10px);\r\n box-shadow: 0 2px 10px rgba(0,0,0,0.1);\r\n z-index: 1000;\r\n padding: 15px 0;\r\n }\r\n\r\n .nav-container {\r\n max-width: 1200px;\r\n margin: 0 auto;\r\n display: flex;\r\n justify-content: center;\r\n flex-wrap: wrap;\r\n gap: 10px;\r\n padding: 0 20px;\r\n }\r\n\r\n .nav-item {\r\n padding: 10px 20px;\r\n background: #2B69AD;\r\n color: white !important;\r\n text-decoration: none;\r\n border-radius: 8px;\r\n font-weight: 500;\r\n transition: all 0.3s;\r\n font-size: 0.9em;\r\n }\r\n\r\n .nav-item:hover {\r\n background: #1e4a7a;\r\n transform: translateY(-2px);\r\n color: white !important;\r\n }\r\n\r\n .nav-item:visited,\r\n .nav-item:active,\r\n .nav-item:focus {\r\n color: white !important;\r\n }\r\n\r\n .container {\r\n max-width: 1200px;\r\n margin: 0 auto;\r\n }\r\n\r\n .header {\r\n background: #D2D1CC;\r\n color: #333;\r\n padding: 60px 40px;\r\n text-align: center;\r\n }\r\n\r\n .header h1 {\r\n font-size: 2.5em;\r\n margin-bottom: 10px;\r\n color: #333;\r\n }\r\n\r\n .header p {\r\n font-size: 1.2em;\r\n opacity: 0.8;\r\n color: #555;\r\n }\r\n\r\n .content {\r\n padding: 40px;\r\n }\r\n\r\n .alert-box {\r\n background: linear-gradient(135deg, #2B69AD 0%, #1e4a7a 100%);\r\n color: white !important;\r\n padding: 25px;\r\n border-radius: 12px;\r\n margin-bottom: 30px;\r\n box-shadow: 0 4px 15px rgba(43, 105, 173, 0.3);\r\n display: flex;\r\n align-items: flex-start;\r\n gap: 15px;\r\n }\r\n\r\n .alert-box * {\r\n color: white !important;\r\n }\r\n\r\n .alert-icon {\r\n flex-shrink: 0;\r\n width: 40px;\r\n height: 40px;\r\n background: rgba(255, 255, 255, 0.2);\r\n border-radius: 50%;\r\n display: flex;\r\n align-items: center;\r\n justify-content: center;\r\n }\r\n\r\n .alert-icon svg {\r\n width: 24px;\r\n height: 24px;\r\n }\r\n\r\n .alert-content {\r\n flex: 1;\r\n }\r\n\r\n .alert-box h3 {\r\n margin-bottom: 10px;\r\n font-size: 1.3em;\r\n color: white !important;\r\n }\r\n\r\n .alert-box p {\r\n color: white !important;\r\n }\r\n\r\n .alert-box ul {\r\n color: white !important;\r\n }\r\n\r\n .alert-box li {\r\n color: white !important;\r\n }\r\n\r\n .grid {\r\n display: grid;\r\n grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));\r\n gap: 25px;\r\n margin-bottom: 40px;\r\n }\r\n\r\n .card {\r\n background: white;\r\n border-radius: 15px;\r\n padding: 25px;\r\n box-shadow: 0 5px 20px rgba(0,0,0,0.08);\r\n border: 2px solid #e8f2f8;\r\n transition: transform 0.3s, box-shadow 0.3s;\r\n }\r\n\r\n .card:hover {\r\n transform: translateY(-5px);\r\n box-shadow: 0 10px 30px rgba(43, 105, 173, 0.15);\r\n border-color: #2B69AD;\r\n }\r\n\r\n .card h3 {\r\n color: #2B69AD;\r\n margin-bottom: 15px;\r\n font-size: 1.4em;\r\n display: flex;\r\n align-items: center;\r\n gap: 10px;\r\n }\r\n\r\n .card-icon {\r\n width: 40px;\r\n height: 40px;\r\n background: linear-gradient(135deg, #2B69AD 0%, #3b82c4 100%);\r\n border-radius: 12px;\r\n display: inline-flex;\r\n align-items: center;\r\n justify-content: center;\r\n color: white;\r\n font-weight: bold;\r\n font-size: 1.1em;\r\n box-shadow: 0 3px 10px rgba(43, 105, 173, 0.3);\r\n }\r\n\r\n .timeline {\r\n position: relative;\r\n padding-left: 40px;\r\n margin: 30px 0;\r\n }\r\n\r\n .timeline::before {\r\n content: '';\r\n position: absolute;\r\n left: 15px;\r\n top: 0;\r\n bottom: 0;\r\n width: 3px;\r\n background: linear-gradient(180deg, #2B69AD 0%, #5a9bd5 100%);\r\n }\r\n\r\n .timeline-item {\r\n position: relative;\r\n margin-bottom: 30px;\r\n padding: 20px;\r\n background: #f8fbfd;\r\n border-radius: 12px;\r\n border-left: 4px solid #2B69AD;\r\n box-shadow: 0 2px 10px rgba(43, 105, 173, 0.1);\r\n }\r\n\r\n .timeline-item::before {\r\n content: '';\r\n position: absolute;\r\n left: -46px;\r\n top: 20px;\r\n width: 15px;\r\n height: 15px;\r\n border-radius: 50%;\r\n background: #2B69AD;\r\n border: 3px solid white;\r\n box-shadow: 0 0 0 3px #2B69AD;\r\n }\r\n\r\n .timeline-item h4 {\r\n color: #2B69AD;\r\n margin-bottom: 10px;\r\n font-size: 1.2em;\r\n }\r\n\r\n .timeline-item .date {\r\n font-weight: bold;\r\n color: #1e4a7a;\r\n font-size: 1.1em;\r\n display: flex;\r\n align-items: center;\r\n gap: 8px;\r\n }\r\n\r\n .date-icon {\r\n display: inline-flex;\r\n align-items: center;\r\n justify-content: center;\r\n width: 24px;\r\n height: 24px;\r\n background: #2B69AD;\r\n color: white;\r\n border-radius: 6px;\r\n }\r\n\r\n .date-icon svg {\r\n width: 14px;\r\n height: 14px;\r\n }\r\n\r\n .badge {\r\n display: inline-block;\r\n padding: 8px 16px;\r\n background: linear-gradient(135deg, #2B69AD 0%, #3b82c4 100%);\r\n color: white !important;\r\n border-radius: 20px;\r\n font-size: 0.85em;\r\n margin: 5px 5px 5px 0;\r\n box-shadow: 0 2px 8px rgba(43, 105, 173, 0.2);\r\n }\r\n\r\n .info-list {\r\n list-style: none;\r\n padding: 0;\r\n }\r\n\r\n .info-list li {\r\n padding: 12px 0;\r\n border-bottom: 1px solid #e0e0e0;\r\n position: relative;\r\n padding-left: 25px;\r\n }\r\n\r\n .info-list li::before {\r\n content: '\u2713';\r\n position: absolute;\r\n left: 0;\r\n color: #2B69AD;\r\n font-weight: bold;\r\n font-size: 1.1em;\r\n }\r\n\r\n .faq-section {\r\n margin-top: 50px;\r\n }\r\n\r\n .faq-section h2 {\r\n color: #2B69AD;\r\n margin-bottom: 30px;\r\n font-size: 2em;\r\n text-align: center;\r\n }\r\n\r\n .faq-item {\r\n background: white;\r\n border-radius: 12px;\r\n margin-bottom: 15px;\r\n box-shadow: 0 2px 10px rgba(43, 105, 173, 0.08);\r\n overflow: hidden;\r\n border: 1px solid #e8f2f8;\r\n transition: all 0.3s;\r\n }\r\n\r\n .faq-item:hover {\r\n border-color: #2B69AD;\r\n box-shadow: 0 4px 15px rgba(43, 105, 173, 0.15);\r\n }\r\n\r\n .faq-question {\r\n padding: 20px;\r\n cursor: pointer;\r\n display: flex;\r\n justify-content: space-between;\r\n align-items: center;\r\n background: linear-gradient(to right, #f8fbfd 0%, white 100%);\r\n transition: background 0.3s;\r\n }\r\n\r\n .faq-question:hover {\r\n background: linear-gradient(to right, #e8f2f8 0%, #f8fbfd 100%);\r\n }\r\n\r\n .faq-question h4 {\r\n color: #333;\r\n font-size: 1.05em;\r\n margin: 0;\r\n flex: 1;\r\n font-weight: 600;\r\n }\r\n\r\n .faq-toggle {\r\n width: 32px;\r\n height: 32px;\r\n border-radius: 8px;\r\n background: #2B69AD;\r\n color: white;\r\n display: flex;\r\n align-items: center;\r\n justify-content: center;\r\n font-size: 1.3em;\r\n transition: transform 0.3s, background 0.3s;\r\n font-weight: 300;\r\n }\r\n\r\n .faq-item:hover .faq-toggle {\r\n background: #1e4a7a;\r\n }\r\n\r\n .faq-item.active .faq-toggle {\r\n transform: rotate(45deg);\r\n background: #1e4a7a;\r\n }\r\n\r\n .faq-answer {\r\n max-height: 0;\r\n overflow: hidden;\r\n transition: max-height 0.3s ease-out, padding 0.3s;\r\n padding: 0 20px;\r\n background: white;\r\n }\r\n\r\n .faq-item.active .faq-answer {\r\n max-height: 500px;\r\n padding: 20px;\r\n }\r\n\r\n .highlight-box {\r\n background: linear-gradient(135deg, #e8f2f8 0%, #d4e8f5 100%);\r\n padding: 25px;\r\n border-radius: 12px;\r\n margin: 20px 0;\r\n border-left: 5px solid #2B69AD;\r\n box-shadow: 0 3px 15px rgba(43, 105, 173, 0.1);\r\n }\r\n\r\n .stats-grid {\r\n display: grid;\r\n grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));\r\n gap: 20px;\r\n margin: 30px 0;\r\n }\r\n\r\n .stat-card {\r\n background: linear-gradient(135deg, #2B69AD 0%, #3b82c4 100%);\r\n color: white !important;\r\n padding: 30px;\r\n border-radius: 15px;\r\n text-align: center;\r\n box-shadow: 0 5px 20px rgba(43, 105, 173, 0.3);\r\n position: relative;\r\n overflow: hidden;\r\n }\r\n\r\n .stat-card * {\r\n color: white !important;\r\n }\r\n\r\n .stat-card::before {\r\n content: '';\r\n position: absolute;\r\n top: -50%;\r\n right: -50%;\r\n width: 200%;\r\n height: 200%;\r\n background: radial-gradient(circle, rgba(255,255,255,0.1) 0%, transparent 70%);\r\n animation: pulse 3s ease-in-out infinite;\r\n }\r\n\r\n @keyframes pulse {\r\n 0%, 100% { transform: scale(1); opacity: 0.5; }\r\n 50% { transform: scale(1.1); opacity: 0.3; }\r\n }\r\n\r\n .stat-card h3 {\r\n font-size: 2.8em;\r\n margin-bottom: 10px;\r\n color: white !important;\r\n font-weight: 700;\r\n position: relative;\r\n z-index: 1;\r\n }\r\n\r\n .stat-card p {\r\n font-size: 0.95em;\r\n opacity: 0.95;\r\n position: relative;\r\n z-index: 1;\r\n color: white !important;\r\n }\r\n\r\n @media (max-width: 768px) {\r\n .header h1 {\r\n font-size: 1.8em;\r\n }\r\n \r\n .content {\r\n padding: 20px;\r\n }\r\n \r\n .grid {\r\n grid-template-columns: 1fr;\r\n }\r\n }\r\n\r\n .section-title {\r\n color: #a855f7;\r\n font-size: 1.8em;\r\n margin: 40px 0 20px;\r\n padding-bottom: 10px;\r\n border-bottom: 3px solid #a855f7;\r\n }\r\n\r\n html {\r\n scroll-behavior: smooth;\r\n }\r\n <\/style>\r\n<\/head>\r\n<body>\r\n <!-- Menu di Navigazione -->\r\n <nav class=\"nav-menu\">\r\n <div class=\"nav-container\">\r\n <a href=\"#approfondimento\" class=\"nav-item\" style=\"color: white !important;\">In-depth analysis<\/a>\r\n <a href=\"#verifica-obblighi\" class=\"nav-item\" style=\"color: white !important;\">Verify Obligations<\/a>\r\n <a href=\"#scadenze\" class=\"nav-item\" style=\"color: white !important;\">Deadlines<\/a>\r\n <a href=\"#beni\" class=\"nav-item\" style=\"color: white !important;\">Assets<\/a>\r\n <a href=\"#eventi\" class=\"nav-item\" style=\"color: white !important;\">Events<\/a>\r\n <a href=\"#premi\" class=\"nav-item\" style=\"color: white !important;\">Press<\/a>\r\n <a href=\"#faq\" class=\"nav-item\" style=\"color: white !important;\">FAQ<\/a>\r\n <\/div>\r\n <\/nav>\r\n\r\n <div class=\"container\">\r\n <div class=\"header\">\r\n <div style=\"display: flex; align-items: center; justify-content: center; gap: 20px; flex-wrap: wrap;\">\r\n <svg width=\"60\" height=\"60\" viewbox=\"0 0 64 64\" fill=\"none\" stroke=\"#2B69AD\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\">\r\n <path d=\"M32 8L8 20v16c0 14 10 24 24 28 14-4 24-14 24-28V20L32 8z\"\/>\r\n <polyline points=\"20 32 28 40 44 24\"\/>\r\n <\/svg>\r\n <div>\r\n <h1>Catastrophic Insurance Policies in Italy<\/h1>\r\n <p>Complete guide to the decree on cat-nat insurance for businesses<\/p>\r\n <\/div>\r\n <\/div>\r\n <\/div>\r\n\r\n <div class=\"content\">\r\n <div class=\"alert-box\">\r\n <div class=\"alert-icon\">\r\n <svg viewbox=\"0 0 24 24\" fill=\"none\" stroke=\"white\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\">\r\n <path d=\"M10.29 3.86L1.82 18a2 2 0 0 0 1.71 3h16.94a2 2 0 0 0 1.71-3L13.71 3.86a2 2 0 0 0-3.42 0z\"\/>\r\n <line x1=\"12\" y1=\"9\" x2=\"12\" y2=\"13\"\/>\r\n <line x1=\"12\" y1=\"17\" x2=\"12.01\" y2=\"17\"\/>\r\n <\/svg>\r\n <\/div>\r\n <div class=\"alert-content\">\r\n <h3 style=\"color: white !important;\">Attention: Regulatory Obligation in Effect<\/h3>\r\n <p style=\"color: white !important;\">Starting in 2024, Italian companies are required to have insurance against catastrophic events. Deadlines vary based on company size.<\/p>\r\n <\/div>\r\n <\/div>\r\n\r\n <div class=\"stats-grid\">\r\n <div class=\"stat-card\">\r\n <h3>2024<\/h3>\r\n <p>Year of introduction of the obligation<\/p>\r\n <\/div>\r\n <div class=\"stat-card\">\r\n <h3>15%<\/h3>\r\n <p>Maximum uncovered\/deductible up to \u20ac30M<\/p>\r\n <\/div>\r\n <div class=\"stat-card\">\r\n <h3>70%<\/h3>\r\n <p>Minimum compensation (1-30M\u20ac)<\/p>\r\n <\/div>\r\n <\/div>\r\n\r\n <h2 class=\"section-title\" id=\"approfondimento\">\r\n <span class=\"section-icon\">\r\n <svg width=\"20\" height=\"20\" viewbox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\">\r\n <path d=\"M14 2H6a2 2 0 0 0-2 2v16a2 2 0 0 0 2 2h12a2 2 0 0 0 2-2V8z\"\/>\r\n <polyline points=\"14 2 14 8 20 8\"\/>\r\n <line x1=\"16\" y1=\"13\" x2=\"8\" y2=\"13\"\/>\r\n <line x1=\"16\" y1=\"17\" x2=\"8\" y2=\"17\"\/>\r\n <polyline points=\"10 9 9 9 8 9\"\/>\r\n <\/svg>\r\n <\/span>\r\n Regulatory Framework\r\n <\/h2>\r\n \r\n <div class=\"grid\">\r\n <div class=\"card\">\r\n <h3><span class=\"card-icon\">1<\/span> Legislative Origin<\/h3>\r\n <ul class=\"info-list\">\r\n <li>Budget Law 2024 (L. 213\/2023)<\/li>\r\n <li>Paragraphs 101-111, article 1<\/li>\r\n <li>D.I. January 30, 2025, no. 18<\/li>\r\n <li>Decree-Law March 31, 2025, No. 39<\/li>\r\n <\/ul>\r\n <\/div>\r\n\r\n <div class=\"card\" id=\"verifica-obblighi\">\r\n <h3><span class=\"card-icon\">2<\/span> Obligated Entities<\/h3>\r\n <ul class=\"info-list\">\r\n <li>Companies based in Italy<\/li>\r\n <li>Foreign companies with a permanent establishment<\/li>\r\n <li>Registered in the Business Register (art. 2188 c.c.)<\/li>\r\n <li>Self-employed professionals<\/li>\r\n <\/ul>\r\n <\/div>\r\n\r\n <div class=\"card\">\r\n <h3><span class=\"card-icon\">3<\/span> Exclusions<\/h3>\r\n <ul class=\"info-list\">\r\n <li>Agricultural enterprises (specific protection)<\/li>\r\n <li>Properties under construction<\/li>\r\n <li>Properties with building violations<\/li>\r\n <li>Unauthorized constructions<\/li>\r\n <\/ul>\r\n <\/div>\r\n <\/div>\r\n\r\n <h2 class=\"section-title\" id=\"scadenze\">\r\n <span class=\"section-icon\">\r\n <svg width=\"20\" height=\"20\" viewbox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\">\r\n <rect x=\"3\" y=\"4\" width=\"18\" height=\"18\" rx=\"2\" ry=\"2\"\/>\r\n <line x1=\"16\" y1=\"2\" x2=\"16\" y2=\"6\"\/>\r\n <line x1=\"8\" y1=\"2\" x2=\"8\" y2=\"6\"\/>\r\n <line x1=\"3\" y1=\"10\" x2=\"21\" y2=\"10\"\/>\r\n <\/svg>\r\n <\/span>\r\n Deadlines by Company Size\r\n <\/h2>\r\n \r\n <div class=\"timeline\">\r\n <div class=\"timeline-item\">\r\n <h4>Large Enterprises<\/h4>\r\n <p class=\"date\">\r\n <span class=\"date-icon\">\r\n <svg viewbox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\">\r\n <circle cx=\"12\" cy=\"12\" r=\"10\"\/>\r\n <polyline points=\"12 6 12 12 16 14\"\/>\r\n <\/svg>\r\n <\/span>\r\n March 31, 2025\r\n <\/p>\r\n <p>Original deadline for large enterprises. Indirect sanctions (exclusion from incentives) take effect from June 30, 2025 (90 days later).<\/p>\r\n <\/div>\r\n\r\n <div class=\"timeline-item\">\r\n <h4>Medium Enterprises<\/h4>\r\n <p class=\"date\">\r\n <span class=\"date-icon\">\r\n <svg viewbox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\">\r\n <circle cx=\"12\" cy=\"12\" r=\"10\"\/>\r\n <polyline points=\"12 6 12 12 16 14\"\/>\r\n <\/svg>\r\n <\/span>\r\n October 1, 2025\r\n <\/p>\r\n <p>Deadline extended for medium-sized enterprises. It is necessary to sign the policy by this date to maintain access to incentives.<\/p>\r\n <\/div>\r\n\r\n <div class=\"timeline-item\">\r\n <h4>Small and Micro Enterprises<\/h4>\r\n <p class=\"date\">\r\n <span class=\"date-icon\">\r\n <svg viewbox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\">\r\n <circle cx=\"12\" cy=\"12\" r=\"10\"\/>\r\n <polyline points=\"12 6 12 12 16 14\"\/>\r\n <\/svg>\r\n <\/span>\r\n December 31, 2025\r\n <\/p>\r\n <p>Deadline for SMEs and micro-enterprises. It also includes companies in the fishing and aquaculture sector.<\/p>\r\n <\/div>\r\n <\/div>\r\n\r\n <h2 class=\"section-title\" id=\"beni\">\r\n <span class=\"section-icon\">\r\n <svg width=\"20\" height=\"20\" viewbox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\">\r\n <path d=\"M3 9l9-7 9 7v11a2 2 0 0 1-2 2H5a2 2 0 0 1-2-2z\"\/>\r\n <polyline points=\"9 22 9 12 15 12 15 22\"\/>\r\n <\/svg>\r\n <\/span>\r\n Assets to Insure\r\n <\/h2>\r\n \r\n <div class=\"highlight-box\">\r\n <h3>Tangible Fixed Assets (Art. 2424, item B-II)<\/h3>\r\n <div style=\"margin-top: 15px;\">\r\n <span class=\"badge\">Lands and Buildings<\/span>\r\n <span class=\"badge\">Plants and Machinery<\/span>\r\n <span class=\"badge\">Industrial Equipment<\/span>\r\n <span class=\"badge\">Commercial Equipment<\/span>\r\n <\/div>\r\n <\/div>\r\n\r\n <div class=\"card\">\r\n <h3><span class=\"card-icon\">!<\/span> Third-party goods<\/h3>\r\n <p>Assets used \"for any purpose\" (leasing, rental) can be covered, unless the owner already has equivalent coverage. The entrepreneur is entitled to reimbursement and can receive up to 40% of the compensation for lost profits if the owner does not restore the asset.<\/p>\r\n <\/div>\r\n\r\n <h2 class=\"section-title\" id=\"eventi\">\r\n <span class=\"section-icon\">\r\n <svg width=\"20\" height=\"20\" viewbox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\">\r\n <path d=\"M12 2.69l5.66 5.66a8 8 0 1 1-11.31 0z\"\/>\r\n <path d=\"M12 8v8\"\/>\r\n <path d=\"M8 12h8\"\/>\r\n <\/svg>\r\n <\/span>\r\n Covered Catastrophic Events\r\n <\/h2>\r\n \r\n <div class=\"grid\">\r\n <div class=\"card\">\r\n <h3>\r\n <span class=\"card-icon\">\r\n <svg width=\"20\" height=\"20\" viewbox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\">\r\n <path d=\"M3 12h3l3-9 6 18 3-9h3\"\/>\r\n <\/svg>\r\n <\/span>\r\n Seismic Events\r\n <\/h3>\r\n <p>Earthquakes and related aftershocks within 72 hours of the first event (considered part of the same incident).<\/p>\r\n <\/div>\r\n\r\n <div class=\"card\">\r\n <h3>\r\n <span class=\"card-icon\">\r\n <svg width=\"20\" height=\"20\" viewbox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\">\r\n <path d=\"M16 16v6M8 16v6M12 2v6M4 8h16\"\/>\r\n <path d=\"M6 14h12v8H6z\"\/>\r\n <path d=\"M6 8h12v6H6z\"\/>\r\n <\/svg>\r\n <\/span>\r\n Hydrogeological Events\r\n <\/h3>\r\n <p>Floods, landslides, inundations, and overflows according to hazard maps and predictive models.<\/p>\r\n <\/div>\r\n <\/div>\r\n\r\n <h2 class=\"section-title\" id=\"premi\">\r\n <span class=\"section-icon\">\r\n <svg width=\"20\" height=\"20\" viewbox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\">\r\n <line x1=\"12\" y1=\"1\" x2=\"12\" y2=\"23\"\/>\r\n <path d=\"M17 5H9.5a3.5 3.5 0 0 0 0 7h5a3.5 3.5 0 0 1 0 7H6\"\/>\r\n <\/svg>\r\n <\/span>\r\n Awards and Compensation\r\n <\/h2>\r\n \r\n <div class=\"card\">\r\n <h3>\r\n <span class=\"card-icon\">\r\n <svg width=\"20\" height=\"20\" viewbox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\">\r\n <path d=\"M9 11l3 3L22 4\"\/>\r\n <path d=\"M21 12v7a2 2 0 0 1-2 2H5a2 2 0 0 1-2-2V5a2 2 0 0 1 2-2h11\"\/>\r\n <\/svg>\r\n <\/span>\r\n Premium Calculation Criteria\r\n <\/h3>\r\n <ul class=\"info-list\">\r\n <li>Proportional to the actual risk<\/li>\r\n <li>Based on geographic location<\/li>\r\n <li>Asset vulnerability<\/li>\r\n <li>Hazard maps<\/li>\r\n <li>Territorial predictive models<\/li>\r\n <\/ul>\r\n <\/div>\r\n\r\n <div class=\"grid\">\r\n <div class=\"card\">\r\n <h3>\r\n <span class=\"card-icon\">1<\/span>\r\n Up to 1 Million \u20ac\r\n <\/h3>\r\n <p><strong>Compensation:<\/strong> 100% of the damage<br>\r\n <strong>Deductible\/Excess:<\/strong> Max 15%<\/p>\r\n <\/div>\r\n\r\n <div class=\"card\">\r\n <h3>\r\n <span class=\"card-icon\">2<\/span>\r\n From \u20ac1 to \u20ac30 million\r\n <\/h3>\r\n <p><strong>Compensation:<\/strong> Min 70%<br>\r\n <strong>Deductible\/Excess:<\/strong> Max 15%<\/p>\r\n <\/div>\r\n\r\n <div class=\"card\">\r\n <h3>\r\n <span class=\"card-icon\">3<\/span>\r\n Over \u20ac30 Million\r\n <\/h3>\r\n <p><strong>Compensation:<\/strong> Negotiable<br>\r\n <strong>Deductible\/Excess:<\/strong> Greater freedom<\/p>\r\n <\/div>\r\n <\/div>\r\n\r\n <h2 class=\"section-title\">\r\n <span class=\"section-icon\">\r\n <svg width=\"20\" height=\"20\" viewbox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\">\r\n <circle cx=\"12\" cy=\"12\" r=\"10\"\/>\r\n <path d=\"M16 12l-4-4-4 4\"\/>\r\n <path d=\"M12 16V8\"\/>\r\n <\/svg>\r\n <\/span>\r\n Consequences and Incentives\r\n <\/h2>\r\n \r\n <div class=\"alert-box\">\r\n <div class=\"alert-icon\">\r\n <svg viewbox=\"0 0 24 24\" fill=\"none\" stroke=\"white\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\">\r\n <circle cx=\"12\" cy=\"12\" r=\"10\"\/>\r\n <line x1=\"15\" y1=\"9\" x2=\"9\" y2=\"15\"\/>\r\n <line x1=\"9\" y1=\"9\" x2=\"15\" y2=\"15\"\/>\r\n <\/svg>\r\n <\/div>\r\n <div class=\"alert-content\">\r\n <h3>Consequences of Non-compliance<\/h3>\r\n <p><strong>No direct monetary penalties are foreseen.<\/strong> However, the absence of the policy entails:<\/p>\r\n <ul style=\"margin-top: 10px; margin-left: 20px;\">\r\n <li>Exclusion from public contributions<\/li>\r\n <li>Block of grants and incentives<\/li>\r\n <li>Inability to access ministerial tenders<\/li>\r\n <li>Revocation of incentives already granted<\/li>\r\n <\/ul>\r\n <\/div>\r\n <\/div>\r\n\r\n <div class=\"card\">\r\n <h3><span class=\"card-icon\">\u2713<\/span> Requirement for Incentives<\/h3>\r\n <p>The Ministerial Decree of June 18, 2025, from the Ministry of Enterprises and Made in Italy has made catastrophic insurance a requirement to access the relevant facilitation tools. Other administrations must formally incorporate this condition into their own calls for proposals.<\/p>\r\n <\/div>\r\n\r\n <h2 class=\"section-title\" id=\"faq\">\r\n <span class=\"section-icon\">\r\n <svg width=\"20\" height=\"20\" viewbox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\">\r\n <circle cx=\"12\" cy=\"12\" r=\"10\"\/>\r\n <path d=\"M9.09 9a3 3 0 0 1 5.83 1c0 2-3 3-3 3\"\/>\r\n <line x1=\"12\" y1=\"17\" x2=\"12.01\" y2=\"17\"\/>\r\n <\/svg>\r\n <\/span>\r\n Frequently Asked Questions (FAQ)\r\n <\/h2>\r\n \r\n <div class=\"faq-section\">\r\n <div class=\"faq-item\">\r\n <div class=\"faq-question\" onclick=\"toggleFaq(this)\">\r\n <h4>1. Who is required to take out the catastrophic insurance policy?<\/h4>\r\n <div class=\"faq-toggle\">+<\/div>\r\n <\/div>\r\n <div class=\"faq-answer\">\r\n <p>All companies with a registered office in Italy and foreign companies with a permanent establishment in Italy, provided they are registered in the Business Register (art. 2188 c.c.). Professional firms and small businesses with a VAT number are also included, while agricultural enterprises are excluded.<\/p>\r\n <\/div>\r\n <\/div>\r\n\r\n <div class=\"faq-item\">\r\n <div class=\"faq-question\" onclick=\"toggleFaq(this)\">\r\n <h4>2. What assets need to be insured?<\/h4>\r\n <div class=\"faq-toggle\">+<\/div>\r\n <\/div>\r\n <div class=\"faq-answer\">\r\n <p>Tangible assets recorded in the balance sheet (art. 2424, item B-II): land, buildings, plants, machinery, and industrial\/commercial equipment. Third-party assets used for business activities can also be included.<\/p>\r\n <\/div>\r\n <\/div>\r\n\r\n <div class=\"faq-item\">\r\n <div class=\"faq-question\" onclick=\"toggleFaq(this)\">\r\n <h4>3. What are the deadlines for signing the policy?<\/h4>\r\n <div class=\"faq-toggle\">+<\/div>\r\n <\/div>\r\n <div class=\"faq-answer\">\r\n <p>Deadlines vary by size: large enterprises by March 31, 2025, medium enterprises by October 1, 2025, small and micro enterprises by December 31, 2025.<\/p>\r\n <\/div>\r\n <\/div>\r\n\r\n <div class=\"faq-item\">\r\n <div class=\"faq-question\" onclick=\"toggleFaq(this)\">\r\n <h4>4. What happens if I don't take out the policy by the deadline?<\/h4>\r\n <div class=\"faq-toggle\">+<\/div>\r\n <\/div>\r\n <div class=\"faq-answer\">\r\n <p>There are no direct financial penalties, but the company is excluded from access to public contributions, grants, and incentives. For large companies, indirect penalties take effect from June 30, 2025.<\/p>\r\n <\/div>\r\n <\/div>\r\n\r\n <div class=\"faq-item\">\r\n <div class=\"faq-question\" onclick=\"toggleFaq(this)\">\r\n <h4>5. What catastrophic events are covered?<\/h4>\r\n <div class=\"faq-toggle\">+<\/div>\r\n <\/div>\r\n <div class=\"faq-answer\">\r\n <p>The policy must cover at least: earthquakes, floods, landslides, inundations, and overflows. For earthquakes, shocks within 72 hours of the first event are considered part of the same claim.<\/p>\r\n <\/div>\r\n <\/div>\r\n\r\n <div class=\"faq-item\">\r\n <div class=\"faq-question\" onclick=\"toggleFaq(this)\">\r\n <h4>6. How is the insurance premium calculated?<\/h4>\r\n <div class=\"faq-toggle\">+<\/div>\r\n <\/div>\r\n <div class=\"faq-answer\">\r\n <p>The premium is proportional to the risk, considering geographical location, asset vulnerability, hazard maps, and predictive models. Areas with high seismic or hydrogeological risk will have higher premiums.<\/p>\r\n <\/div>\r\n <\/div>\r\n\r\n <div class=\"faq-item\">\r\n <div class=\"faq-question\" onclick=\"toggleFaq(this)\">\r\n <h4>7. What is the maximum overdraft or deductible applicable?<\/h4>\r\n <div class=\"faq-toggle\">+<\/div>\r\n <\/div>\r\n <div class=\"faq-answer\">\r\n <p>For insured amounts up to 30 million euros, the deductible and co-insurance cannot exceed 15% of the indemnifiable damage. For higher amounts or large enterprises, there is greater contractual freedom.<\/p>\r\n <\/div>\r\n <\/div>\r\n\r\n <div class=\"faq-item\">\r\n <div class=\"faq-question\" onclick=\"toggleFaq(this)\">\r\n <h4>8. How does compensation work in the event of a claim?<\/h4>\r\n <div class=\"faq-toggle\">+<\/div>\r\n <\/div>\r\n <div class=\"faq-answer\">\r\n <p>For values up to 1 million, the compensation covers 100% of the damage. For values between 1 and 30 million, the minimum compensation is 70% of the insured amount. Beyond 30 million, the limits are negotiable.<\/p>\r\n <\/div>\r\n <\/div>\r\n\r\n <div class=\"faq-item\">\r\n <div class=\"faq-question\" onclick=\"toggleFaq(this)\">\r\n <h4>9. Are agricultural businesses obligated?<\/h4>\r\n <div class=\"faq-toggle\">+<\/div>\r\n <\/div>\r\n <div class=\"faq-answer\">\r\n <p>No, agricultural enterprises are expressly excluded from the obligation because they are already subject to the national mutual fund for meteorological events.<\/p>\r\n <\/div>\r\n <\/div>\r\n\r\n <div class=\"faq-item\">\r\n <div class=\"faq-question\" onclick=\"toggleFaq(this)\">\r\n <h4>10. Can I insure leased or rented assets?<\/h4>\r\n <div class=\"faq-toggle\">+<\/div>\r\n <\/div>\r\n <div class=\"faq-answer\">\r\n <p>Yes, the assets used \"for any reason\" for the activity can be insured, unless the owner already has equivalent coverage. The entrepreneur is entitled to reimbursement if the owner does not restore the asset.<\/p>\r\n <\/div>\r\n <\/div>\r\n\r\n <div class=\"faq-item\">\r\n <div class=\"faq-question\" onclick=\"toggleFaq(this)\">\r\n <h4>11. What happens if I already have an existing policy?<\/h4>\r\n <div class=\"faq-toggle\">+<\/div>\r\n <\/div>\r\n <div class=\"faq-answer\">\r\n <p>Existing policies must be adjusted to the new requirements at the first useful renewal or subsequent payment after the decree comes into force.<\/p>\r\n <\/div>\r\n <\/div>\r\n\r\n <div class=\"faq-item\">\r\n <div class=\"faq-question\" onclick=\"toggleFaq(this)\">\r\n <h4>12. Can I insure a property with building violations?<\/h4>\r\n <div class=\"faq-toggle\">+<\/div>\r\n <\/div>\r\n <div class=\"faq-answer\">\r\n <p>No, properties with building violations or constructed without permits cannot be covered by catastrophic insurance policies according to the decree.<\/p>\r\n <\/div>\r\n <\/div>\r\n\r\n <div class=\"faq-item\">\r\n <div class=\"faq-question\" onclick=\"toggleFaq(this)\">\r\n <h4>13. How is the insurable value of assets determined?<\/h4>\r\n <div class=\"faq-toggle\">+<\/div>\r\n <\/div>\r\n <div class=\"faq-answer\">\r\n <p>The value must be estimated according to: reconstruction as new for buildings, replacement cost for machinery, restoration cost for land. A correct assessment is crucial to avoid underinsurance.<\/p>\r\n <\/div>\r\n <\/div>\r\n\r\n <div class=\"faq-item\">\r\n <div class=\"faq-question\" onclick=\"toggleFaq(this)\">\r\n <h4>14. Is the policy a requirement for all public tenders?<\/h4>\r\n <div class=\"faq-toggle\">+<\/div>\r\n <\/div>\r\n <div class=\"faq-answer\">\r\n <p>Not automatically. Each administration (ministerial, regional, local) must formally incorporate this requirement into their tenders. The Ministry of Enterprises has already done so with D.M. June 18, 2025.<\/p>\r\n <\/div>\r\n <\/div>\r\n\r\n <div class=\"faq-item\">\r\n <div class=\"faq-question\" onclick=\"toggleFaq(this)\">\r\n <h4>15. What happens if my area is at very high risk and no company insures me?<\/h4>\r\n <div class=\"faq-toggle\">+<\/div>\r\n <\/div>\r\n <div class=\"faq-answer\">\r\n <p>Decree no. 18\/2025 provides for state or public-private insurance schemes to manage high-risk areas that cannot be insured by the ordinary market.<\/p>\r\n <\/div>\r\n <\/div>\r\n\r\n <div class=\"faq-item\">\r\n <div class=\"faq-question\" onclick=\"toggleFaq(this)\">\r\n <h4>16. What are the main regulatory references?<\/h4>\r\n <div class=\"faq-toggle\">+<\/div>\r\n <\/div>\r\n <div class=\"faq-answer\">\r\n <p>Law December 30, 2023, no. 213 (Budget 2024), paragraphs 101-111 art. 1; Interministerial Decree January 30, 2025, no. 18; Decree-Law March 31, 2025, no. 39 converted into law.<\/p>\r\n <\/div>\r\n <\/div>\r\n\r\n <div class=\"faq-item\">\r\n <div class=\"faq-question\" onclick=\"toggleFaq(this)\">\r\n <h4>17. When does the implementing decree come into effect?<\/h4>\r\n <div class=\"faq-toggle\">+<\/div>\r\n <\/div>\r\n <div class=\"faq-answer\">\r\n <p>The interministerial decree no. 18\/2025 came into effect on March 14, 2025, for its operational provisions, but the deadlines for compliance vary by company size.<\/p>\r\n <\/div>\r\n <\/div>\r\n\r\n <div class=\"faq-item\">\r\n <div class=\"faq-question\" onclick=\"toggleFaq(this)\">\r\n <h4>18. How are micro, small, and medium enterprises defined?<\/h4>\r\n <div class=\"faq-toggle\">+<\/div>\r\n <\/div>\r\n <div class=\"faq-answer\">\r\n <p>La definizione segue la Raccomandazione UE recepita nel decreto in fase di conversione: microimprese (< 10 dipendenti, < 2M\u20ac), piccole (< 50 dipendenti, < 10M\u20ac), medie (< 250 dipendenti, < 50M\u20ac).<\/p>\r\n <\/div>\r\n <\/div>\r\n\r\n <div class=\"faq-item\">\r\n <div class=\"faq-question\" onclick=\"toggleFaq(this)\">\r\n <h4>19. What is the role of IVASS?<\/h4>\r\n <div class=\"faq-toggle\">+<\/div>\r\n <\/div>\r\n <div class=\"faq-answer\">\r\n <p>IVASS has a supervisory function over the insurance market, ensuring that companies have adequate risk-taking capacity, reliable models, and comply with regulatory requirements.<\/p>\r\n <\/div>\r\n <\/div>\r\n\r\n <div class=\"faq-item\">\r\n <div class=\"faq-question\" onclick=\"toggleFaq(this)\">\r\n <h4>20. Is it advisable to take out the policy even if my company does not access public incentives?<\/h4>\r\n <div class=\"faq-toggle\">+<\/div>\r\n <\/div>\r\n <div class=\"faq-answer\">\r\n <p>Yes, the obligation is regulatory and independent of access to incentives. Furthermore, the policy protects the company's assets from catastrophic events that could compromise operational continuity. Indirect sanctions greatly limit future access to any form of facilitation.<\/p>\r\n <\/div>\r\n <\/div>\r\n <\/div>\r\n\r\n <div class=\"highlight-box\" style=\"margin-top: 40px;\">\r\n <h3 style=\"color: #2B69AD; display: flex; align-items: center; gap: 10px;\">\r\n <span class=\"section-icon\" style=\"margin: 0;\">\r\n <svg width=\"20\" height=\"20\" viewbox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\">\r\n <path d=\"M22 16.92v3a2 2 0 0 1-2.18 2 19.79 19.79 0 0 1-8.63-3.07 19.5 19.5 0 0 1-6-6 19.79 19.79 0 0 1-3.07-8.67A2 2 0 0 1 4.11 2h3a2 2 0 0 1 2 1.72 12.84 12.84 0 0 0 .7 2.81 2 2 0 0 1-.45 2.11L8.09 9.91a16 16 0 0 0 6 6l1.27-1.27a2 2 0 0 1 2.11-.45 12.84 12.84 0 0 0 2.81.7A2 2 0 0 1 22 16.92z\"\/>\r\n <\/svg>\r\n <\/span>\r\n Practical Recommendations\r\n <\/h3>\r\n <ul class=\"info-list\">\r\n <li>Conduct a complete inventory of insurable assets<\/li>\r\n <li>Correctly estimate the values according to the required criteria<\/li>\r\n <li>Request quotes compliant with D.I. 18\/2025<\/li>\r\n <li>Don't wait until the last moment (risk of market saturation)<\/li>\r\n <li>Plan the adjustments of existing policies<\/li>\r\n <li>Verify insurance requirements in public tenders<\/li>\r\n <li>Make use of specialized consultants for SMEs<\/li>\r\n <\/ul>\r\n <\/div>\r\n <\/div>\r\n <\/div>\r\n\r\n <script>\r\n function toggleFaq(element) {\r\n const faqItem = element.parentElement;\r\n const allFaqItems = document.querySelectorAll('.faq-item');\r\n \r\n \/\/ Close all other FAQ items\r\n allFaqItems.forEach(item => {\r\n if (item !== faqItem && item.classList.contains('active')) {\r\n item.classList.remove('active');\r\n }\r\n });\r\n \r\n \/\/ Toggle current FAQ item\r\n faqItem.classList.toggle('active');\r\n }\r\n <\/script>\r\n<\/body>\r\n<\/html>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Polizze Catastrofali – Guida Completa Approfondimento Verifica Obblighi Scadenze Beni Eventi Premi FAQ Polizze Catastrofali in Italia Guida completa al decreto sulle assicurazioni cat-nat per le imprese Attenzione: Obbligo Normativo in Vigore Dal 2024 \u00e8 operativo l’obbligo per le imprese italiane di dotarsi di assicurazione contro eventi catastrofali. Le scadenze variano in base alla dimensione […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-19995","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Polizze Catastrofali - Assoprovider<\/title>\n<meta name=\"description\" content=\"Polizze Catastrofali - Guida Completa Approfondimento Verifica Obblighi Scadenze Beni Eventi Premi FAQ Polizze Catastrofali in Italia Guida completa al\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/assoprovider.it\/en\/polizze-catastrofali\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Polizze Catastrofali - Assoprovider\" \/>\n<meta property=\"og:description\" content=\"Polizze Catastrofali - Guida Completa Approfondimento Verifica Obblighi Scadenze Beni Eventi Premi FAQ Polizze Catastrofali in Italia Guida completa al\" \/>\n<meta property=\"og:url\" content=\"https:\/\/assoprovider.it\/en\/polizze-catastrofali\/\" \/>\n<meta property=\"og:site_name\" content=\"Assoprovider\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/assoprovider\" \/>\n<meta property=\"article:modified_time\" content=\"2025-10-09T07:47:41+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/assoprovider.it\/wp-content\/uploads\/2018\/01\/Logo_Assoprovider_1.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1000\" \/>\n\t<meta property=\"og:image:height\" content=\"500\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:site\" content=\"@assoprovider\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"6 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/assoprovider.it\\\/polizze-catastrofali\\\/\",\"url\":\"https:\\\/\\\/assoprovider.it\\\/polizze-catastrofali\\\/\",\"name\":\"Polizze Catastrofali - Assoprovider\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/assoprovider.it\\\/#website\"},\"datePublished\":\"2025-10-09T06:55:46+00:00\",\"dateModified\":\"2025-10-09T07:47:41+00:00\",\"description\":\"Polizze Catastrofali - Guida Completa Approfondimento Verifica Obblighi Scadenze Beni Eventi Premi FAQ Polizze Catastrofali in Italia Guida completa al\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/assoprovider.it\\\/polizze-catastrofali\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/assoprovider.it\\\/polizze-catastrofali\\\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/assoprovider.it\\\/polizze-catastrofali\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/assoprovider.it\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Polizze Catastrofali\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/assoprovider.it\\\/#website\",\"url\":\"https:\\\/\\\/assoprovider.it\\\/\",\"name\":\"Assoprovider\",\"description\":\"Associazione di Internet Provider Indipendente\",\"publisher\":{\"@id\":\"https:\\\/\\\/assoprovider.it\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/assoprovider.it\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/assoprovider.it\\\/#organization\",\"name\":\"Assoprovider\",\"url\":\"https:\\\/\\\/assoprovider.it\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/assoprovider.it\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/assoprovider.it\\\/wp-content\\\/uploads\\\/2018\\\/01\\\/Logo_Assoprovider_1.jpg\",\"contentUrl\":\"https:\\\/\\\/assoprovider.it\\\/wp-content\\\/uploads\\\/2018\\\/01\\\/Logo_Assoprovider_1.jpg\",\"width\":1000,\"height\":500,\"caption\":\"Assoprovider\"},\"image\":{\"@id\":\"https:\\\/\\\/assoprovider.it\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/www.facebook.com\\\/assoprovider\",\"https:\\\/\\\/x.com\\\/assoprovider\",\"https:\\\/\\\/www.linkedin.com\\\/company\\\/34577501\\\/admin\\\/\",\"https:\\\/\\\/www.youtube.com\\\/assoprovider\"]}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Catastrophic Policies - Assoprovider","description":"Polizze Catastrofali - Guida Completa Approfondimento Verifica Obblighi Scadenze Beni Eventi Premi FAQ Polizze Catastrofali in Italia Guida completa al","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/assoprovider.it\/en\/polizze-catastrofali\/","og_locale":"en_US","og_type":"article","og_title":"Polizze Catastrofali - Assoprovider","og_description":"Polizze Catastrofali - Guida Completa Approfondimento Verifica Obblighi Scadenze Beni Eventi Premi FAQ Polizze Catastrofali in Italia Guida completa al","og_url":"https:\/\/assoprovider.it\/en\/polizze-catastrofali\/","og_site_name":"Assoprovider","article_publisher":"https:\/\/www.facebook.com\/assoprovider","article_modified_time":"2025-10-09T07:47:41+00:00","og_image":[{"width":1000,"height":500,"url":"https:\/\/assoprovider.it\/wp-content\/uploads\/2018\/01\/Logo_Assoprovider_1.jpg","type":"image\/jpeg"}],"twitter_card":"summary_large_image","twitter_site":"@assoprovider","twitter_misc":{"Est. reading time":"6 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/assoprovider.it\/polizze-catastrofali\/","url":"https:\/\/assoprovider.it\/polizze-catastrofali\/","name":"Catastrophic Policies - Assoprovider","isPartOf":{"@id":"https:\/\/assoprovider.it\/#website"},"datePublished":"2025-10-09T06:55:46+00:00","dateModified":"2025-10-09T07:47:41+00:00","description":"Polizze Catastrofali - Guida Completa Approfondimento Verifica Obblighi Scadenze Beni Eventi Premi FAQ Polizze Catastrofali in Italia Guida completa al","breadcrumb":{"@id":"https:\/\/assoprovider.it\/polizze-catastrofali\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/assoprovider.it\/polizze-catastrofali\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/assoprovider.it\/polizze-catastrofali\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/assoprovider.it\/"},{"@type":"ListItem","position":2,"name":"Polizze Catastrofali"}]},{"@type":"WebSite","@id":"https:\/\/assoprovider.it\/#website","url":"https:\/\/assoprovider.it\/","name":"Assoprovider","description":"Independent Internet Provider Association","publisher":{"@id":"https:\/\/assoprovider.it\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/assoprovider.it\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/assoprovider.it\/#organization","name":"Assoprovider","url":"https:\/\/assoprovider.it\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/assoprovider.it\/#\/schema\/logo\/image\/","url":"https:\/\/assoprovider.it\/wp-content\/uploads\/2018\/01\/Logo_Assoprovider_1.jpg","contentUrl":"https:\/\/assoprovider.it\/wp-content\/uploads\/2018\/01\/Logo_Assoprovider_1.jpg","width":1000,"height":500,"caption":"Assoprovider"},"image":{"@id":"https:\/\/assoprovider.it\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/assoprovider","https:\/\/x.com\/assoprovider","https:\/\/www.linkedin.com\/company\/34577501\/admin\/","https:\/\/www.youtube.com\/assoprovider"]}]}},"jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/assoprovider.it\/en\/wp-json\/wp\/v2\/pages\/19995","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/assoprovider.it\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/assoprovider.it\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/assoprovider.it\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/assoprovider.it\/en\/wp-json\/wp\/v2\/comments?post=19995"}],"version-history":[{"count":0,"href":"https:\/\/assoprovider.it\/en\/wp-json\/wp\/v2\/pages\/19995\/revisions"}],"wp:attachment":[{"href":"https:\/\/assoprovider.it\/en\/wp-json\/wp\/v2\/media?parent=19995"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}